SMSF Property Loans › What are the interest rates on SMSF property loans?

What are the interest rates on SMSF property loans?

SMSF loan rates are generally higher than standard residential mortgages, because it is a specialised product with limited recourse and fewer lenders. The exact rate depends on the lender, the property type and the structure.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

The rate premium reflects the complexity and the limited recourse nature of the loan, plus the smaller pool of lenders that offer it. It is one of the costs to factor into whether an SMSF purchase stacks up. Because lenders price these quite differently, comparing across the specialists that offer them matters.

The key points

SMSF rates are generally above standard mortgage rates.
It is a specialised, limited recourse product.
Fewer lenders offer it.
Compare across the specialists that do.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.